Keep up to date with the latest news and insights from the Hansford Bell Team.

  • How to Plan for Inheritance Tax

    June 30, 2022

    Inheritance tax (IHT) is a tax levied at any estate over a certain amount when the owner passes away. However, there are a few things you can do to minimise the charges. With proper planning, you can preserve the maximum wealth possible to pass on to your loved ones.

  • How Important is Life Insurance for Your Retirement Savings?

    June 15, 2022

    No one wants to think about dying unexpectedly, but preparing for the worst means you can enjoy the present without stressing about the future. What would your death mean for your loved ones financially? Life insurance policies offer the invaluable reassurance that they will still be provided for when you’re not there.

  • What is Financial Life Planning?

    May 30, 2022

    Financial planning is a familiar concept to many of us, but what about financial life planning? You might assume it’s the same thing, but actually, this term refers to a distinct approach within the financial services sector.

  • What is a Lifetime Mortgage & How Does it Work?

    May 15, 2022

    Over time, your pension pot may prove less flexible than you anticipated. Maybe care costs have taken a toll or maybe you want to help out your children with their house deposits. Lifetime mortgages enable older people to access extra tax free cash without giving up their home. Whatever you need the money for, it’s important to understand all the implications before you get started.

  • Financial Advice & Tips for Older People

    April 15, 2022

    There are many financial challenges to navigate in later life, from managing retirement income to planning how your estate will be passed on. However, don’t forget that these are also your golden years, and should be enjoyed to the fullest extent. With careful planning, you can manage your specific responsibilities and circumstances and achieve financial and personal fulfilment.

  • A Guide to Understanding Your Pension Statement

    March 15, 2022

    Every year, you’ll receive a pension statement detailing the progress of your savings so far. It’s easy to stow this document away and forget about it, but actually, your pension statement contains useful information that should inform your financial planning.

  • How Do You Know When It’s Time to Retire?

    February 28, 2022

    Deciding when to retire is an important choice that should not be taken lightly. Though age is often seen as a determining factor, it’s worth considering other things too. From financial health to career satisfaction to family commitments, there are some key lifestyle signs to look out for that may suggest the time has come.

  • Should You Pay Off Your Mortgage or Invest for Retirement?

    February 15, 2022

    For many homeowners, paying off the mortgage is a key financial goal. If you have the savings to do so, overpaying a mortgage can offer numerous benefits, but there are things to consider. Paying off your mortgage is not the only option, and some might prefer to grow their wealth through targeted investments.

  • What Does an Independent Financial Advisor Do?

    January 30, 2022

    There are many moments in life when it’s worth getting some financial advice. Whether you’re going through a life transition or just want to take prudent action to protect your future, an independent financial advisor can guide you and help formulate a robust financial plan.

  • How Does Equity Release Work?

    January 15, 2022

    A good retirement plan should ensure you can live comfortably until the end of your life. However, if unforeseen events take a toll on your finances, or you need to make an unplanned-for purchase, you could find that your pension pot is no longer big enough. That’s where equity release comes in.

  • How to Prepare Financially for Retirement

    November 30, 2021

    If you think retirement is on the horizon, it’s a good idea to start getting your finances in order. Leaving things too late can mean there’s not enough time to adjust your plan and achieve the lifestyle you want. A little financial preparation can mean the difference between a later life that works for you, and a later life that restricts your options.

  • A Beginner’s Guide to Inheritance Tax – Inheritance Tax FAQ

    November 15, 2021

    The end of life isn’t something anyone wants to spend much time thinking about, but a lack of preparation can leave your loved ones with a hefty Inheritance Tax bill. Inheritance Tax, intended to redistribute the wealth of the super rich, has become something more and more of us have to deal with as a result of inflation and rising property prices. So, it’s important to get your head around the technicalities before it’s too late!

  • How Does Pension Drawdown Work? Pension Drawdown Explained

    October 30, 2021

    When it’s time to retire, we all want to make sure that we’ve got the right pension provision in place to fund our chosen lifestyle. But with so many different schemes out there, it can be tricky to figure out what’s right for you. Pension drawdown is a way of keeping your pension invested, whilst still accessing your money. That means your wealth will continue to grow whilst you go ahead and enjoy those golden years.

  • Hansford Bell Re-Launches Following Management Buyout

    October 28, 2021

    There have been a lot of changes at Hansford Bell lately. We’re a firm of Chartered Financial Planners based in Tavistock. For over 20 years, we’ve been shaking up the industry with our refreshing approach to financial planning, but following a management buyout, it was time for a new start.

  • What is a Retirement Plan Advisor?

    October 15, 2021

    In a 2019 survey*, only 15.1% of respondents said they felt confident planning their retirement goals and choosing where to invest their money. You wouldn’t set off on a long journey without knowing the way, and the same is true when it comes to your finances.

  • Ethical Wealth Management Case Study

    October 10, 2021

    When the day came to find a new home for their investment portfolio, this local retired couple knew Hansford Bell were the right choice.

  • A Guide to ESG Investing

    September 18, 2021

    We all want to grow our wealth sustainably and with minimal risk, but these days other factors are having a significant impact on investment decisions too.

  • The future of Hansford Bell

    September 1, 2021

    The future of Hansford Bell

  • Retirement Planning Strategies for People in Their 50s

    August 13, 2021

    No work, a regular income, plenty of time to do the things you want – sounds great, doesn’t it? Taking steps to engineer your target lifestyle now can make all the difference when it comes to your financial independence in later life.

  • What is the Difference Between Financial Planning & Financial Advice?

    July 28, 2021

    When it comes to managing your money, choosing the right financial service is key. Knowing your financial planner from your financial advisor will help you decide what qualities to look for and what to expect from the process.

  • Mortgages and Covid-19 – more of your questions answered

    June 11, 2020

    Mortgages and Covid-19 - more of your questions answered

  • Covid-19 and Investing

    June 4, 2020

    Covid-19 and Investing

  • Your Mortgage Question’s Answered

    May 20, 2020

    Your Mortgage Question's Answered